Hi, what's the best credit card for travelling outside of Switzerland and transacting in EUR, GBP and USD with the best FX rates and lowest fees. I'm pretty fed up with my Credit Suisse Visa and its 2% charge for non-CHF transactions.

The best I can find is the PostFinance Gold Card which charges 0.9% and uses the USB currency sales rate, but with a 0.75% cashback bonus it takes the fee down to almost nothing. The card costs CHF 90 per year, but the catch is you need to also have a PostFinance bank account, which will cost an additional CHF 60 per year, and you can only set up a direct debit for the credit card from that account, which will make the whole process inconvenient as I don't want to use their bank account and have to keep on top of transferring money between accounts.

Are there any standalone credit cards available in Switzerland with comparably low fees for transactions outside of the country? I really don't want to have to get a PostFinance bank account, but other than messing around with EUR, GBP and USD denominated credit cards and bank accounts I can't see an alternative.